The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$104,170
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,411
−HK$3,292/mo
Today · 4.125%
HK$110,703
baseline
▲ 0.50% · 4.625%
HK$117,439
+HK$6,736/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$221,406/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,889
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,997
−HK$3,153/mo
Today · 4.125%
HK$122,150
baseline
▲ 0.50% · 4.625%
HK$128,588
+HK$6,438/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$244,300/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,005
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,893
−HK$3,950/mo
Today · 4.125%
HK$132,843
baseline
▲ 0.50% · 4.625%
HK$140,927
+HK$8,084/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$265,686/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,066
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$142,796
−HK$3,784/mo
Today · 4.125%
HK$146,580
baseline
▲ 0.50% · 4.625%
HK$154,306
+HK$7,726/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$293,160/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,839
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$150,375
−HK$4,609/mo
Today · 4.125%
HK$154,984
baseline
▲ 0.50% · 4.625%
HK$164,414
+HK$9,430/mo
Deposit HK$13.71M · loan HK$31.98M · min. income ≈ HK$309,968/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,244
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$166,595
−HK$4,415/mo
Today · 4.125%
HK$171,010
baseline
▲ 0.50% · 4.625%
HK$180,024
+HK$9,014/mo
Deposit HK$13.71M · loan HK$31.98M · min. income ≈ HK$342,020/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,507
−HK$11,758/mo
▼ 0.25% · 3.875%
HK$193,339
−HK$5,926/mo
Today · 4.125%
HK$199,265
baseline
▲ 0.50% · 4.625%
HK$211,390
+HK$12,125/mo
Deposit HK$4.57M · loan HK$41.12M · min. income ≈ HK$398,530/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,599
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$214,194
−HK$5,675/mo
Today · 4.125%
HK$219,869
baseline
▲ 0.50% · 4.625%
HK$231,459
+HK$11,590/mo
Deposit HK$4.57M · loan HK$41.12M · min. income ≈ HK$439,738/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,556 · Scale 2, in force from 26 Feb 2026)